我国环境责任保险制度实施的区域比较研究  

The Regional Comparative Study on the Implementation of Environmental Liability Insurance System

作　　者：张瑞纲[1] 李学臻 Zhang Ruigang;Li Xuezhen

机构地区：[1]广西大学商学院,广西南宁530004

出　　处：《金融理论与实践》2021年第9期98-107,共10页Financial Theory and Practice

基　　金：国家自然科学基金项目“董事责任保险、企业特征与企业风险行为”(71863002)的阶段性成果。

摘　　要：环境保护意识的提升带动了我国环境责任保险的发展,但环境责任保险的风险管理作用并没有得到充分发挥。我国各地区之间的环境责任保险发展水平参差不齐,通过系统研究该险种实施过程中东部和中西部试点地区的共性和特性,了解它们各自的发展状况,从中发现实施环责险的各地区普遍存在法律法规不完善、产品设计脱离实际以及宣传力度不足等问题。为了进一步优化我国环境责任保险的发展环境,在对各地环责险试点过程优劣势进行分析的基础上,结合实际提出了加强法规体系和技术支撑体系建设以及推动政策宣传的可行性建议。The enhancement of environmental protection awareness has improving the development of ELI in China,but the effect of risk management in ELI hasn’t been fully activated.The development level of ELI in different regions of China is uneven for that we can systematically investigate generality and peculiarity of implementation process of ELI between East China and Midwest China.This research introduces the specific situation of ELI in East China and Midwest China separately and finds out they all have those problems such as lacking the related law,the insurance products not fitting the real demand and the terrible publicity etc.Based on the comparison between this two districts,this study provides three feasible suggestions to facilitate the development of ELI in China like reinforcing the law and technical system related to ELI and enhancing the publicity about this type of insurance.

关 键 词：环境责任保险 共同保险 强制投保 地区比较 

分 类 号：F840.686[经济管理—保险]